this post was submitted on 03 Oct 2023
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There is also a ROTH 401k. Same tax benefits, but with higher limits and all of the 401k benefits.
In general, a 401k, 403b, or other employer sponsored retirement plan is going to be a better deal than an IRA. With a401k, your employer is paying for your account; with an IRA, you are paying for the plan out of your returns (via fees, lower interest, etc.). Also, it is common for employer sponsored plans to match part of the money you put in.
You can also have both a 401k and IRA to double dip on investment limits, but only if you are in a particular income bracket (you cannot contribute to an IRA if you have a high income and you are not likely to be able to max out a 401k if you have a low income).